JR/T 0055.2-2009 English PDF (JR/T0055.2-2009)

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JR/T 0055.2-2009: Technical specifications on bankcard interoperability-Part 2: Message interface
JR/T 0055.2-2009
JR
FINANCIAL INDUSTRY STANDARD OF THE
PEOPLE’S REPUBLIC OF CHINA
ICS
Registration number
Technical specifications on bankcard interoperability -
Part 1. Message interface
ISSUED ON. JUNE 01, 2009
IMPLEMENTED ON. JULY 01, 2009
Issued by. People’s Bank of China
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Table of Contents
Foreword ... 5 
1 Scope .. 6 
2 Normative references ... 6 
3 Terms and definitions ... 6 
4 Symbol ... 7 
4.1 Data type symbol ... 7 
4.2 Message format symbol ... 8 
4.3 Mandatory and conditional symbols of message fields ... 9 
5 Message structure ... 10 
6 Message header ... 11 
6.1 Field descriptions .. 11 
6.2 Message header of normal message ... 16 
6.3 Message header of reject message ... 16 
7 Message type .. 16 
7.1 Version number .. 16 
7.2 Message type flag ... 17 
8 Message bitmap ... 17 
9 Message field description ... 18 
9.1 Message field directory .. 18 
9.2 Field 2. Primary Account Number (PAN) ... 22 
9.3 Field 3. Processing code .. 23 
9.4 Field 4. Amount, Transaction ... 24 
9.5 Field 5. Amount, Settlement ... 24 
9.6 Field 6. Amount, Cardholder Billing ... 25 
9.7 Field 7. Transmission Date and Time ... 25 
9.8 Field 9. Conversion Rate, Settlement ... 26 
9.9 Field 10. Conversion Rate, Cardholder Billing ... 27 
9.10 Field 11. System Trace Audit Number ... 27 
9.11. Time, Local Transaction ... 28 
9.12 Field 13. Date, Local Transaction ... 29 
9.13 Field 14. Date, Expiration ... 29 
9.14 Field 15. Date, Settlement ... 30 
9.15 Field 16. Date, Conversion .. 30 
9.16 Field 18. Merchant's Type ... 31 
9.17 Field 19. Acquiring Institution Country Code .. 31 
9.18 Field 22. Point of Service Entry Mode Code .. 32 
9.19 Field 23. Card Sequence Number ... 32 
9.20 Field 25. Function Code .. 33 
9.21 Field 26. Point of Service PIN Capture Code ... 34 
9.22 Field 28. Amount, Transaction Fee .. 34 
9.23 Field 32. Acquiring institute identification code ... 35 
9.24 Field 33. Forwarding Institution Identification Code ... 35 
9.25 Field 35. Track 2 Data .. 36 
9.26 Field 36. Track 3 Data .. 37 
9.27 Field 37. Retrieval Reference Number ... 37 
9.28 Field 38. Authorization Identification Code ... 38 
9.29 Field 39. Response Code ... 38 
9.30 Field 41. Card Acceptor Terminal Identification ... 39 
9.31 Field 42. Card Acceptor Identification Code .. 40 
9.32 Field 43. Card Acceptor Name/Location .. 40 
9.33 Field 44. Additional Response Data ... 41 
9.34 Field 48. Additional Data Private ... 41 
9.35 Field 49. Currency Code, Transaction ... 42 
9.36 Field 50. Currency Code, Settlement .. 43 
9.37 Field 51. Currency Code, Cardholder Billing ... 43 
9.38 Field 52. Personal Identification Number (PIN) Data ... 44 
9.39 Field 53. Security Related Control Information ... 44 
9.40 Field 54. Additional Amounts .. 45 
9.41 Field 55. Integrated Circuit Card (ICC) System Related Data ... 46 
9.42 Field 57. Additional Data Private ... 49 
9.43 Field 58. IC (PBOC) Data Reserved ... 50 
9.44 Field 60. POS additional information .. 51 
9.45 Field 61. Cardholder Authentication Information .. 52 
9.46 Field 70. Network Management Information Code ... 54 
9.47 Field 90. Original Data Element ... 55 
9.48 Field 96. Message Security Code ... 55 
9.49 Field 100. Receiving Institution Identification Code ... 56 
9.50 Field 102. Account Identification 1 ... 56 
9.51 Field 103. Account Identification 2 ... 57 
9.52 Field 121. Switch Reserved ... 57 
9.53 Field 122. Acquiring Institution Reserved ... 58 
9.54 Field 123. Issuer Institution Reserved ... 58 
9.55 Field 128. Message Authentication Code ... 59 
10 Correlation of key information field to message ... 60 
10.1 Correlation of response message and request message .. 60 
10.2 Correlation of subsequent transactions and original transactions ... 60 
11 Message format description ... 61 
11.1 Financial transaction online message ... 61 
11.2 Management transaction online message .. 81 
Appendix A (Normative) Reject code ... 84 
Appendix B (Normative) Transaction type code .. 88 
Appendix C (Normative) Response code ... 90 
Appendix D (Informative) Transaction type distinction table ... 93 
References ... 95 
Foreword
JR/T 0055 “Technical specifications on bankcard interoperability” consists of the
following 5 parts.
Part 1. Transaction processing;
Part 2. Message interface;
Part 3. File data format;
Part 4. Data secure transmission control;
Part 5. Communication interface;
This part is part 2 of JR/T 0055.
Appendix A, Appendix B and Appendix C of this part are normative; Appendix
D is informative.
This part was proposed by the People's Bank of China.
This part shall be under the jurisdiction of the National Financial Standardization
Technical Committee.
The responsible drafting organizations of this part. People's Bank of China
Science and Technology Division, China UnionPay Co., Ltd.
The participating drafting organizations of this part. Industrial and Commercial
Bank of China, Agricultural Bank of China, Bank of China, China Construction
Bank, Huaxia Bank, China Financial Electronics Co., Ltd., Bank Card Testing
Center.
The main drafters of this part. Jiang Yunbing, Du Ning, Huang Faguo, Li Jie,
Wan Gaofeng, Lu Erdong, Shi Dapeng, Lin Song, Zeng Zheng, Deng Lifeng,
Cao Ying, Ma Xiaoqiong, Liu Zhigang.
Technical specifications on bankcard interoperability -
Part 2. Message interface
1 Scope
This standard specifies the message interface for online transactions between
the institution and the switching center, including the structure, format, and
message field of the online transaction message.
This part of this standard applies to all the institutions such as the switching
center, acquirer, and card issuer which involve the bankcard inter-bank
transactions.
2 Normative references
The provisions in following documents become the provisions of this Standard
through reference in this Standard. For the dated references, the subsequent
amendments (excluding corrections) or revisions do not apply to this Standard;
however, parties who reach an agreement based on this Standard are
encouraged to study if the latest versions of these documents are applicable.
For undated references, the latest edition of the referenced document applies.
GB/T 15150-1994 Bank card originated messages - Interchange message
specifications - Content for financial transactions (ISO 8583.1987, IDT)
GB/T 12406 Codes for the representation of currencies and funds
GB/T 20548 Retail financial services - Merchant category codes
GB/T 2659 Codes for the representation of names of countries and regions
GB/T 19584 Magnetic stripe data content and specification for bank card
GB 18030-2000 Information technology - Chinese ideograms coded
character set for information interchange - Extension for the basic set
JR/T 0025 (all parts) China financial integrated circuit card specifications
3 Terms and definitions
The following terms and definitions apply to this part.
3.1
Request message
Message generating a series of interactive messages.
Note. the completion of this action requires reply response.
3.2
Response message
The message used by the receiver of the original request or a...